Apple expands NFC access to third-party developer
Apple has announced plans to extend Near-Field Communication (NFC) access beyond the European Union, enabling tap-to-pay functions in the US and other regions. The tech giant disclosed that third-party developers will be able to integrate their contactless transaction systems via an Application Programming Interface (API) in the forthcoming iOS 18.1 update. This decision comes after a "legally binding" agreement with the European Commission last month, under which Apple agreed to comply with EU regulations, specifically the Digital Markets Act (DMA).
NFC access agreement follows EU investigation
The agreement to open up NFC access was reached following a four-year investigation by the European Commission. The probe concluded that Apple was limiting rival mobile wallet developers from accessing iPhone's underlying payment technology. With the release of iOS 18.1, developers will be able to provide contactless payments and several other transactions using the iPhone's Secure Element, a feature also utilized by Apple Pay for secure storage of sensitive information.
Diverse applications and future support for IDs
NFC is not only used for tap-to-pay systems but also powers digital car keys, compatible home locks, transit cards, student IDs, event tickets as well as retail loyalty, hotel keys, and reward cards. Apple has stated that government IDs will be "supported in the future." Once developers launch their NFC apps, users can utilize the secure hardware either by directly opening the app or setting it as a default contactless app in the iOS settings.
API availability and requirements for developers
The API will initially be accessible in the US, EU regions, Australia, Brazil, Canada, New Zealand, and Japan. To participate in this program, developers must "enter into a commercial agreement with Apple," request NFC and Secure Enclave entitlements as well as "pay the associated fees."
